Will working from home after 70 affect my SS benefits or Medicare coverage?

Good news! Since you're over your Full Retirement Age (FRA), there is NO earnings limit that would reduce your Social Security benefits. You can earn as much as you want without any reduction in your monthly SS payment. However, your Medicare premiums MIGHT be affected through something called IRMAA (Income-Related Monthly Adjustment Amount) if your income goes high enough. But at $1,200-1,500/month ($14,400-18,000/year), you're unlikely to hit those thresholds unless you have substantial other income.

my sister started selling stuff on etsy when she turned 69 and her social security stayed exactly the same so i think your fine

There are two separate issues here: 1. Social Security earnings limit - This does NOT apply to you since you're over Full Retirement Age (FRA). You can earn unlimited income without any reduction in benefits. 2. Medicare IRMAA - This is based on your Modified Adjusted Gross Income (MAGI) from two years ago. For 2025, they'll look at your 2023 tax return. The first threshold where higher premiums kick in is $103,000 for individuals or $206,000 for married filing jointly. Your additional $14,400-$18,000 per year won't impact your Medicare premium unless your total household MAGI is already close to those thresholds. And even if it did push you over, the increase for the first tier is pretty modest.

DONT FORGET about taxes!!!! Your SS benefits become taxable if your income is high enough. I got BURNED by this last year. Up to 85% of ur benefits can be taxed if your "combined income" (AGI + nontaxable interest + 1/2 of SS benefits) exceeds certain amounts. For singles its $25,000 and for married its $32,000. NOT THE SAME as the Medicare IRMAA thresholds!!!!!

I was in almost the exact same situation last year. Turned 71 and started doing consulting work from home, about $2000/month. The earnings had ZERO impact on my Social Security check amount. But I did have to start paying quarterly estimated taxes because of the additional income. The most annoying part was trying to get through to the SSA to confirm all this. I spent hours on hold over multiple days. Then I found this service called Claimyr (claimyr.com) that got me connected to an agent in under 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU The agent confirmed everything the others here are saying - no impact on benefit amount after FRA, but possible impact on taxes and Medicare premiums if your income goes high enough.

my brother in law said somthing about self employment tax too if your a contractor not an employee

I've been running a small Etsy shop since I was 68 (I'm 74 now), and while my Social Security hasn't been affected, the tax situation is something you really need to understand. At tax time, my first year was super confusing with the Schedule C, self-employment tax, and estimating quarterly payments. Would it be an actual job with a W-2 or are you doing independent contractor work with a 1099? That makes a big difference for tax purposes.

Based on all the information shared here, let me summarize for you: 1. Your Social Security benefits will NOT be reduced no matter how much you earn (since you're over FRA) 2. Your Medicare premiums probably won't increase unless your household income is already close to $206,000 3. You may need to pay taxes on more of your Social Security benefits if your combined income exceeds the thresholds mentioned 4. As a 1099 contractor, you'll need to pay self-employment tax and possibly quarterly estimated taxes A consultation with a tax professional would definitely be worthwhile before you start. They can help you plan for quarterly payments and maximize any home office or business deductions you might be eligible for.